Needs Analysis or Financial Planning?

We provide you with the choice of needs-based financial strategies or comprehensive fee-based financial planning services.

Financial planning and needs-based analysis are similar in that both require you to have a thorough understanding of your financial situation. Although they have significant overlap, they differ in some important ways and are used for different purposes.

Needs based financial strategies focus on individual financial goals with specific product strategies. You might want to know what type of policy to use in meeting your life, health, disability and long-term care insurance needs, determining what choices you have for funding your children’s college expenses or whether an annuity or mutual fund could help create a suitable income stream during retirement.

Although we offer a wide variety of quality proprietary and non-proprietary financial products, from a number of providers, you’re under no obligation to purchase products from us. We seek to earn your business through careful listening, a range of product choices, and a commitment to regularly review your progress toward meeting these individual financial needs. This service is suitable for younger individuals and families who are seeking to establish the financial foundation for their lives.

Comprehensive financial planning is a fee-based process suitable for higher income people, professionals, business owners and retirees who are interested in examining their entire financial situation as a whole and identifying strategies to help meet their goals in a close coaching-type relationship with an advisor who can keep you regularly advised on the myriad of details in your financial life. Financial planning services are provided on a fixed-fee basis with a CERTIFIED FINANCIAL PLANNER™ professional in a relaxed and unhurried environment that allows you to understand where you stand. And, you receive personalized written recommendations in areas that can include:

We’ll work in close consultation with your tax and legal advisors to pursue proper coordination in aspects of your plan that require their involvement. Since all your financial goals compete for your available cash flow and savings, a comprehensive financial plan is a way for you to understand the natural tradeoffs in attempting to meet all your goals.